{"took":142,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":490,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"10795594","_score":15.205823,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, XXXX, and TransUnion to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. \n\nI requested a detailed method of verification for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. \n\nThe accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : XXXX. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. \nXXXX. A full disclosure of the vendors and third-party entities used in the verification process. \nXXXX. Legal assurances that these inaccurate items will not reappear on my credit file. \n\nI trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.","date_sent_to_company":"2024-11-14T21:01:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"10795594","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-11-14T21:01:32.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested a detailed method of <em>verification</em> for each disputed item, as required under FCRA XXXX XXXX. XXXX, but was only provided with vague responses, indicating <em>verification</em> through unspecified third parties. I <em>have</em> reason to believe these third parties are not properly validating the information, as several third-party data vendors <em>have</em> already <em>been</em> frozen and opted out. \n\nThe accounts in question <em>have</em> either <em>been</em> <em>verified</em> inaccurately or lack any substantiation."]},"sort":[15.205823,"10795594"]},{"_index":"complaint-public-v1","_id":"18425066","_score":15.092876,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Narrative TD Bank TD Bank confirmed that a credit/refund was owed, highlighting their responsibility to act promptly. As of XX/XX/year>, no refund check has been received, which undermines trust and accountability. This acknowledgment should help them resolve the matter quickly. \nThe delay constitutes unreasonable processing and non-compliance with Regulation Z ( Truth in Lending Act ). I would like to have a written confirmation of compliance to verify that proper procedures are being followed. \nThe continued withholding of my credit balance constitutes improper handling of a completed payment and delayed disbursement of funds. I would like you to issue the refund owed and provide a written confirmation that the account has been fully resolved, with no remaining balance or reporting issues. XXXX resolution will reinforce their accountability and commitment to proper service.","date_sent_to_company":"2026-01-02T18:44:47.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"75071","tags":null,"has_narrative":true,"complaint_id":"18425066","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-01-02T18:09:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> <em>Narrative</em> TD Bank TD Bank confirmed that a credit/refund was owed, highlighting their responsibility to act promptly. As of XX/XX/year>, no refund check has <em>been</em> received, which undermines trust and accountability. This acknowledgment should help them resolve the matter quickly. \nThe delay constitutes unreasonable processing and non-compliance with Regulation Z ( Truth in Lending Act )."]},"sort":[15.092876,"18425066"]},{"_index":"complaint-public-v1","_id":"18155060","_score":14.778464,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit Reporting Issue : Incorrect information ; failure to investigate ; unverifiable collection reporting. Complaint Narrative\nCavalry Portfolio Services is reporting a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b ).\n\nUnder 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Continued reporting also violates 15 U.S.C. 1692g ( b ). \n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nProduct : Credit Reporting Issue : Incorrect information on credit report ; failure to investigate ; unverifiable charge-off reporting.\n\nComplaint Narrative XXXX XXXX is reporting a charged-off credit card account with a balance of {$1400.00} that is inaccurate, incomplete, and unverifiable. Despite dispute, XXXX has failed to provide competent documentary evidence of a legally enforceable obligation or a complete itemized accounting validating the balance. The account continues to be updated after charge-off, materially misrepresenting its status. \nXXXX  and XXXX have failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted.","date_sent_to_company":"2025-12-18T21:22:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"00926","tags":null,"has_narrative":true,"complaint_id":"18155060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAVALRY INVESTMENTS, LLC","date_received":"2025-12-18T21:09:22.000Z","state":"PR","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX  and XXXX <em>have</em> failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and <em>have</em> continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be <em>verified</em> must be deleted."]},"sort":[14.778464,"18155060"]},{"_index":"complaint-public-v1","_id":"10796452","_score":14.727504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am submitting this complaint due to persistent failures by Experian, XXXX, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. \n\nI requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out. \n\nThe accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immed\n\niate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers. 2. A full disclosure of the vendors and third-party entities us\ned in the verification process.\n\n3. Legal assurances that these inaccurate items will not reappear on my credit file.\n\nI trust the FTC and CFPB will thoroughly investigate this matter to hold Experian and related bureaus accountable for compliance with federal regulations.","date_sent_to_company":"2024-11-14T21:01:23.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"10796452","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-11-14T20:39:25.000Z","state":"IL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested a detailed method of <em>verification</em> for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating <em>verification</em> through unspecified third parties. I <em>have</em> reason to believe these third parties are not properly validating the information, as several third-party data vendors <em>have</em> already <em>been</em> frozen and opted out. \n\nThe accounts in question <em>have</em> either <em>been</em> <em>verified</em> inaccurately or lack any substantiation."]},"sort":[14.727504,"10796452"]},{"_index":"complaint-public-v1","_id":"10794249","_score":14.727504,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am submitting this complaint due to persistent failures by XXXX, Equifax, and XXXX to address inaccuracies related to identity theft on my credit report. Despite filing an FTC Identity Theft Affidavit and a police report ( XXXX XXXX. XXXX ), the bureaus continue to report fraudulent accounts associated with unauthorized name and address variations that are not legally representative of me. \n\nI requested a detailed method of verification for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating verification through unspecified third parties. I have reason to believe these third parties are not properly validating the information, as several third-party data vendors have already been frozen and opted out.\n\nThe accounts in question have either been verified inaccurately or lack any substantiation. The continued reporting of these items, given my submitted identity theft documentation, violates the FCRAs mandates on accuracy and verification. I request immediate action for : 1. Removal of all accounts associated with unauthorized name variations or mismatched personal identifiers.\n\n2. A full disclosure of the vendors and third-party entities used in the verification process.\n\n3. Legal assurances that these inaccurate items will not reappear on my credit file. \n\nI trust the FTC and CFPB will thoroughly investigate this matter to hold XXXX and related bureaus accountable for compliance with federal regulations.","date_sent_to_company":"2024-11-14T21:01:47.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60653","tags":null,"has_narrative":true,"complaint_id":"10794249","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-11-14T21:01:32.000Z","state":"IL","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I requested a detailed method of <em>verification</em> for each disputed item, as required under FCRA 15 U.S.C. 1681i, but was only provided with vague responses, indicating <em>verification</em> through unspecified third parties. I <em>have</em> reason to believe these third parties are not properly validating the information, as several third-party data vendors <em>have</em> already <em>been</em> frozen and opted out.\n\nThe accounts in question <em>have</em> either <em>been</em> <em>verified</em> inaccurately or lack any substantiation."]},"sort":[14.727504,"10794249"]},{"_index":"complaint-public-v1","_id":"5762229","_score":14.603054,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Date received : XX/XX/XXXX Consumer 's state : AZ Product Vehicle loan or lease Sub-product : Loan Issue Managing the loan or lease Sub-issue : Billing problem Consumer Complaint Narrative I paid my normal monthly payment of { {$650.00} } on about XX/XX/XXXX but KIA Motors Finance has refused to credit my account to this day despite my many attempts by phone, email and first class mail. This has caused my credit to be bad. KIA sent me a confirmation letter verifying this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE \" LATE '' PAYMENT THAT SHOULD HAVE BEEN TAKEN CARE OF BY THIS $ $ XXXX","date_sent_to_company":"2022-07-12T20:11:24.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"859XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5762229","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2022-07-12T19:39:33.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["KIA sent me a confirmation letter <em>verifying</em> this payment through XXXX XXXX. KIA REPOSSESSED MY CAR WHILE I OWED ONE \" LATE '' PAYMENT THAT SHOULD <em>HAVE</em> <em>BEEN</em> TAKEN CARE OF BY THIS $ $ XXXX"]},"sort":[14.603054,"5762229"]},{"_index":"complaint-public-v1","_id":"18318768","_score":14.603054,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Product : Credit reporting Issue : Charged-off account inaccurately reported Company : Upgrade , Inc .\n\nComplaint Narrative I am disputing the continued reporting of this charged-off account as an outstanding balance owed. I never received a Form 1099-C for this account.\n\nIf this debt was canceled, forgiven, or written off for tax purposes, a 1099-C must have been issued and provided to me. Please supply a copy and the date of cancellation.\n\nIf no 1099-C exists, provide documentation showing that no tax benefit was taken and proof that the debt remains legally enforceable.\n\nContinued reporting without this verification constitutes inaccurate reporting under FCRA 623 and 1681e ( b ).\n\nIf Upgrade can not substantiate the accuracy and tax treatment of this account, deletion is required. Failure to comply will support escalation, including a Notice of Intent to Sue.","date_sent_to_company":"2025-12-27T16:39:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"18318768","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"UPGRADE, INC.","date_received":"2025-12-27T16:37:05.000Z","state":"TX","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am disputing the continued reporting of this charged-off account as an outstanding balance owed. I never received a Form 1099-C for this account.\n\nIf this debt was canceled, forgiven, or written off for tax purposes, a 1099-C must <em>have</em> <em>been</em> issued and provided to me. Please supply a copy and the date of cancellation.\n\nIf no 1099-C exists, provide documentation showing that no tax benefit was taken and proof that the debt remains legally enforceable."]},"sort":[14.603054,"18318768"]},{"_index":"complaint-public-v1","_id":"5088416","_score":14.360493,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I contacted XXXX in, XX/XX/XXXX to resolve, 5 credit reporting disputes. There were two collections companies that generated these complaints three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had been reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. \n\nI had contacted the companies to verify findings for payments known to be true. After two episodes of research XXXX agreed that the billing was in error and in, XX/XX/XXXX these disputed narratives were successfully removed from my credit report. \n\nIn XXXX, XXXX I filed identical disputes relative to identical companies once again challenging the legality of credit reporting with, EQUIFAX. This collections company felt that there were no grounds to release these identical disputes from my credit report. By XX/XX/XXXX I had challenged the findings on three occasions only to be told that our decision is final and they have zero need to do follow-up with XXXX. \n\nAs with so many households in the United States this, 24 plus month raging global pandemic phenomenon has hit my family especially hard. I have attempted to continue to pay my bills on time and keep my ratio of debt to expenditures to a minimum often times electing to go without necessities vs a surprise bill that could easily decimate my meager savings! Therefore It is essential that these unfounded burdensome narratives be removed from my credit summaries. \n.","date_sent_to_company":"2022-01-10T08:52:25.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"60505","tags":"Older American","has_narrative":true,"complaint_id":"5088416","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-10T01:16:15.000Z","state":"IL","company_public_response":null,"sub_issue":"Problem with personal statement of dispute"},"highlight":{"complaint_what_happened":["There were two collections companies that generated these <em>complaints</em> three were generated by the same collections company the remaining two by another. They were all in reference to medical bills that had <em>been</em> reviewed and previously paid by the insurance carrier I had at the time. Each were referenced to coverage in years, XXXX and XXXX. \n\nI had contacted the companies to <em>verify</em> findings for payments known to be true."]},"sort":[14.360493,"5088416"]},{"_index":"complaint-public-v1","_id":"15913588","_score":14.114408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:50.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:09:44.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A proper reinvestigation would <em>have</em> required Equifax to obtain and provide documentation <em>verifying</em> the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB <em>complaints</em>, but no meaningful reinvestigation has <em>been</em> conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing."]},"sort":[14.114408,"15913588"]},{"_index":"complaint-public-v1","_id":"15913409","_score":14.114408,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:53.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913409","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A proper reinvestigation would <em>have</em> required Equifax to obtain and provide documentation <em>verifying</em> the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB <em>complaints</em>, but no meaningful reinvestigation has <em>been</em> conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing."]},"sort":[14.114408,"15913409"]},{"_index":"complaint-public-v1","_id":"15913408","_score":14.100416,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Company : Equifax Information Services, LLC Complaint Narrative : I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically their duty to conduct a reasonable reinvestigation under 15 U.S.C. 1681i and to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). \n\nThe account in question involves XXXX XXXX XXXX, which has been inaccurately reported on my Equifax credit file. Initially, the account was reported under the wrong name, XXXX XXXX. After my dispute, Equifax only corrected the name to XXXX XXXX XXXX, but the account is still reported with the address and phone number of XXXX XXXX, not XXXX XXXX XXXX \n\nThis demonstrates that Equifax did not conduct a reasonable investigation as required by law. A proper reinvestigation would have required Equifax to obtain and provide documentation verifying the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB complaints, but no meaningful reinvestigation has been conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing.","date_sent_to_company":"2025-09-13T05:30:46.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"21702","tags":null,"has_narrative":true,"complaint_id":"15913408","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-13T05:29:06.000Z","state":"MD","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["A proper reinvestigation would <em>have</em> required Equifax to obtain and provide documentation <em>verifying</em> the correct furnisher information, not simply change one field while leaving the rest of the data inaccurate.\n\nTo date, there is only a paper trail of dispute letters and CFPB <em>complaints</em>, but no meaningful reinvestigation has <em>been</em> conducted. Equifax continues to report incorrect and misleading information on my file, which is damaging to my credit and financial standing."]},"sort":[14.100416,"15913408"]},{"_index":"complaint-public-v1","_id":"16177557","_score":13.869775,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX XXXX times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. \n\nSpecifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. \nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( Equifax, XXXX, and XXXX  ). \nWritten confirmation from XXXX that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:31.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16177557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-25T18:27:01.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting / Incorrect information on credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against XXXX for failing to properly <em>verify</em> and validate an account they are reporting under my name. \n\nI <em>have</em> disputed this account with XXXX XXXX times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.869775,"16177557"]},{"_index":"complaint-public-v1","_id":"14470652","_score":13.845774,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this CFPB complaint against TransUnion for their continued failure to maintain accurate and verifiable information on my consumer credit report. Despite multiple disputes and attempts to resolve these issues directly with the bureau, the following inaccurate, unverifiable, and damaging items remain on my TransUnion credit report in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. \nWrong Address Reporting : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Issue : This address is being falsely reported on my credit file by TransUnion. I have never resided at this address nor have I used it for any financial or personal purposes. Its presence is causing confusion, misrepresentation, and linking my credit profile to unknown data. \nViolation of Law : Under the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), TransUnion is obligated to maintain maximum possible accuracy in the information it includes in credit reports. Failing to remove a clearly incorrect address after my multiple disputes violates this federal responsibility.\n\nNarrative : I am a victim of serious reporting errors that have impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity verification documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$4700.00} Issue : This account reflects late payments, which are inaccurately reported. I have made all payments as agreed or was in an authorized deferment period.\n\nViolation of Law : FCRA Section 623 ( a ) ( 1 ) ( A ) requires furnishers not to report inaccurate information. Additionally, 15 U.S.C. 1681i mandates TransUnion to conduct a reasonable reinvestigation when a dispute is filed.\n\nNarrative : Despite submitting documentation showing my loans were in deferment or forbearance, TransUnion continues to list this account as late. This misinformation is harming my XXXX XXXX and limiting my financial opportunities. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3500.00} Issue : Late payment entries are incorrect as I was in a federally approved forbearance program during the periods in question. \nViolation of Law : 15 U.S.C. 1681e ( b ) requires credit bureaus to ensure accuracy. Reporting missed payments during approved forbearance directly violates this standard. \nNarrative : I repeatedly asked XXXX and TransUnion to validate and correct this, providing evidence of forbearance approval. TransUnions refusal to properly investigate violates my rights and continues to damage my credit reputation. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$1900.00} Issue : This account has late payment notations that were never verified and are inaccurate. \nViolation of Law : FCRA Sections 611 and 623 require proper investigation and correction upon dispute.\n\nNarrative : I have requested validation and provided proof, but TransUnion failed to correct the erroneous data, demonstrating non-compliance and willful negligence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : Reported as delinquent during a deferment period that was fully authorized. \nViolation of Law : Reporting derogatory information during a valid deferment period constitutes a violation of the CARES Act and the FCRA.\n\nNarrative : My federal loan was in deferment during the reported delinquency. I have submitted multiple disputes with documentation, yet TransUnion continues to publish false derogatory marks. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3800.00} Issue : TransUnion is inaccurately reporting late payments while my account was in active deferment. \nViolation of Law : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation and correction of disputed inaccuracies. \nNarrative : XXXX has verified my deferment, yet TransUnion refuses to update or remove the inaccurate information. This is causing me reputational and financial damage, particularly in loan application rejections. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$7100.00} Issue : False reporting of late payments, which contradicts forbearance records Ive provided. \nViolation of Law : FCRA and CARES Act protections were ignored. Reporting negative information during forbearance is deceptive and illegal. \nNarrative : Ive suffered financial harm due to this misinformation, including a denied mortgage pre-approval. My dispute has been ignored and the data remains unchanged despite my evidence. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$3700.00} Issue : The account reflects inaccurate late payment reporting. I was under hardship forbearance at the time, which I documented. \nViolation of Law : The FCRAs duty to ensure maximum accuracy ( Section 607 ( b ) ) and proper reinvestigation ( Section 611 ) were not followed.\n\nNarrative : TransUnion has shown disregard for federally mandated borrower protections. Their reporting has directly caused credit score damage and emotional distress. \nXXXX Account : XXXX | Date Opened : XX/XX/XXXX | Balance : {$160.00} Issue : Late payment entries are false, as payments were either current or in a temporary COVID-related deferment. \nViolation of Law : This is a violation of the FCRA and CARES Act protections under Section 4021.\n\nNarrative : TransUnion 's failure to align with federal guidance during the pandemic has led to false reporting and negative consequences in my credit profile. Despite providing proof, no action was taken to fix it. \nConclusion : I am submitting this CFPB complaint due to TransUnions ongoing failure to fulfill its legal obligations under the FCRA and related consumer protection laws. Despite my formal disputes, TransUnion continues to report false addresses and misrepresents multiple XXXX student loan accounts with inaccurate late payments. These errors are severely impacting my credit profile, financial access, and mental well-being. I request immediate reinvestigation and permanent deletion of the inaccurate address and all XXXX late payment entries from my credit report.","date_sent_to_company":"2025-07-04T14:25:43.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"27615","tags":null,"has_narrative":true,"complaint_id":"14470652","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-04T14:14:00.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Narrative</em> : I am a victim of serious reporting errors that <em>have</em> impacted my credit reputation and exposed me to potential fraud risk. Despite prior disputes, TransUnion continues to report this false address, disregarding my identity <em>verification</em> documents. This ongoing negligence is putting my financial security at risk and causing me emotional distress."]},"sort":[13.845774,"14470652"]},{"_index":"complaint-public-v1","_id":"14236881","_score":13.842213,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am filing this complaint against Experian for gross and continued violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, due to inaccurate information being reported on my credit file, including inaccurate accounts, misreported late payments, charge-offs, and an address I have never resided at.\n\nDespite multiple disputes, Experian has failed to conduct a reasonable investigation, continues to report false and damaging information, and refuses to remove accounts that are either inaccurate, unverifiable, or incorrectly associated with my identity. \nWrong Address Reported XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Wrong Address I have never resided at or been affiliated with this address. \nReporting this address is a violation of FCRA 1681e ( b ) which mandates that credit bureaus must maintain accurate and up-to-date information.\n\nThis false address has caused confusion, misidentification, and likely data merge with accounts that do not belong to me.\n\nInaccurate or Misreported Accounts 1. XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o Narrative : This mortgage account shows late payments that I have no knowledge of, and I have never been late based on my bank statements. No verification documents were provided upon dispute.\n\n2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$420.00} | Date Opened : XX/XX/XXXX o Issue : Charged Off o Violation : FCRA XXXX ( a ) Failure to properly reinvestigate disputed information o Narrative : This account is reporting a charge-off without proper validation. I requested documentation and none was provided. I also never opened an account on this date. \n3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$880.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681e ( b ) Inaccurate data retention o Narrative : Late payments reported here are inaccurate. I have proof of on-time payments and Experian failed to update even after dispute. \n4. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  High Balance : {$240.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681i ( a ) o Narrative : This account contains late payment entries that are not accurate. XXXX could not verify the delinquencies when contacted. \n5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$3000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692e False or misleading representation o Narrative : I dispute the late payments reflected here. XXXX XXXX has multiple inaccuracies reported across bureaus which I suspect are due to reporting errors or data mix-up. \n6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$1000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681c Obsolete account reporting o Narrative : XXXX is reporting late payments past the legally permissible time. This is outdated and damaging to my credit file. \n7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$760.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 o Narrative : This account shows immediate delinquency right after opening, which is factually impossible. No documentation was provided after dispute. \n8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1400.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FDCPA 1692g Failure to validate o Narrative : These late payments are disputed and unverifiable. I have made consistent payments and XXXX has not confirmed any details. \n9. DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$84000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payment o Violation : FCRA 1681s-2 ( b ) ( 1 ) ( D ) Furnishers must correct or delete inaccurate information o Narrative : These loans were placed in forbearance during COVID and should not show delinquencies. This misreporting is hurting my credit. \n10. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$7700.00} | Date Opened : XX/XX/XXXX o Issue : Charge-Off o Violation : FCRA 1681c ( a ) ( 4 ) Reporting obsolete charge-off o Narrative : This account is inaccurately listed as charged-off. There was a payment plan and resolution, which is not reflected.\n\n11. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$44000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681i Failure to reinvestigate disputed information o Narrative : Account reflects multiple late payments without any notice to me. XXXX failed to respond to dispute with documentation. \nInaccurate Hard Inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX o Issue : Unverified inquiries o Violation : FCRA 1681b Permissible purpose required o Narrative : These inquiries were made without my consent and I have no existing relationship with some of these institutions at the time of inquiry.\n\nRequested Relief I respectfully request the Consumer Financial Protection Bureau to : 1. Conduct a full investigation into Experians failure to comply with federal consumer protection laws.\n\n2. Compel Experian to remove or correct the following : o All inaccurate and unverifiable late payments, charge-offs, and inquiries. \no The incorrect address ( XXXX XXXX XXXX XXXX, XXXX, AZ ). \nXXXX. Ensure Experian provides full documentation or deletes unverifiable items under FCRA 1681i ( a ) ( 5 ) ( A ).\n\n4. Sanction Experian for willful and negligent violations under FCRA 1681n and 1681o.","date_sent_to_company":"2025-06-23T20:58:13.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"238XX","tags":null,"has_narrative":true,"complaint_id":"14236881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-06-23T20:55:27.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Investigation took more than 30 days"},"highlight":{"complaint_what_happened":["XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX High Balance : {$260000.00} | Date Opened : XX/XX/XXXX o Issue : Late Payments o Violation : FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate information after dispute o <em>Narrative</em> : This mortgage account shows late payments that I <em>have</em> no knowledge of, and I <em>have</em> never <em>been</em> late based on my bank statements. No <em>verification</em> documents were provided upon dispute.\n\n2."]},"sort":[13.842213,"14236881"]},{"_index":"complaint-public-v1","_id":"16177556","_score":13.795375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with XXXX four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. \n\nSpecifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes.\n\nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX, Experian, and XXXX  ). \nWritten confirmation from XXXX that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:28.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16177556","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-25T18:27:01.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Credit reporting / Incorrect information on credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against XXXX for failing to properly <em>verify</em> and validate an account they are reporting under my name. \n\nI <em>have</em> disputed this account with XXXX four times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.795375,"16177556"]},{"_index":"complaint-public-v1","_id":"16175550","_score":13.795375,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX credit report Complaint Narrative I am filing this complaint against Nelnet for failing to properly verify and validate an account they are reporting under my name. \n\nI have disputed this account with Nelnet four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, Nelnet continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.\n\nSpecifically, Nelnet has failed to provide : 1. A copy of the original signed promissory note.\n\n2. A full account/payment history with all transactions, interest, and fees.\n\n3. The method of verification used to confirm this account.\n\n4. A resolution of inconsistencies across credit bureaus. \n\nBecause Nelnet continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. \n\nDesired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX XXXX XXXX XXXX ). \nWritten confirmation from Nelnet that the account has been deleted. \nAssurance that no further inaccurate information will be reported in the future. \n\nI respectfully request the CFPBs assistance in compelling Nelnet to comply with federal law and correct this matter.","date_sent_to_company":"2025-09-25T18:27:30.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"082XX","tags":null,"has_narrative":true,"complaint_id":"16175550","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-09-25T18:19:30.000Z","state":"NJ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX credit report <em>Complaint</em> <em>Narrative</em> I am filing this <em>complaint</em> against Nelnet for failing to properly <em>verify</em> and validate an account they are reporting under my name. \n\nI <em>have</em> disputed this account with Nelnet four times. Despite my repeated requests, they <em>have</em> not provided legitimate documentation to prove that this debt is valid and accurately reported."]},"sort":[13.795375,"16175550"]},{"_index":"complaint-public-v1","_id":"17097370","_score":13.629021,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Narrative : I am filing this complaint because Rocket Mortgage placed a hard inquiry on my XXXX  and XXXX  credit reports dated XX/XX/year>, without my authorization or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). \n\nI have never applied for credit, mortgage pre-approval, or any financial product with Rocket Mortgage on or around that date. This inquiry was made without my consent or knowledge and constitutes a violation of FCRA 604 ( a ) ( 2 ) and 607 ( a ), which restrict credit inquiries to those made with the consumers explicit authorization or a legitimate business purpose.\n\nAn unauthorized inquiry negatively impacts my credit score and creditworthiness. I have reached out to Rocket Mortgage but have not received proper verification or removal of the inquiry. \n\nI am demanding that Rocket Mortgage : Immediately remove this unauthorized inquiry from both XXXX  and XXXX  credit reports Provide written confirmation that the inquiry has been deleted and that no unauthorized credit application exists in my name Rocket Mortgages conduct constitutes a willful violation of my consumer rights under the FCRA and has caused measurable harm to my credit profile.","date_sent_to_company":"2025-11-07T18:15:11.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"33414","tags":null,"has_narrative":true,"complaint_id":"17097370","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2025-11-07T18:12:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["I <em>have</em> reached out to Rocket Mortgage but <em>have</em> not received proper <em>verification</em> or removal of the inquiry."]},"sort":[13.629021,"17097370"]},{"_index":"complaint-public-v1","_id":"15716379","_score":13.600998,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting : XXXX, XXXX, Experian, and XXXX  Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. \n\nConflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting.\n\nDate Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. \n\nOngoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. \n\nI have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. \n\nResolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.","date_sent_to_company":"2025-09-04T19:02:50.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"15716379","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-09-04T19:00:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting : XXXX, XXXX, Experian, and XXXX  Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of <em>Complaint</em> : I am filing a <em>complaint</em> regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has <em>been</em> previously disputed and marked as <em>verified</em> by XXXX as of XX/XX/XXXX."]},"sort":[13.600998,"15716379"]},{"_index":"complaint-public-v1","_id":"15716382","_score":13.591381,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, XXXX, XXXX, and Transunion Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. \n\nConflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. \n\nDate Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. \n\nOngoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. \n\nI have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. \n\nResolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.","date_sent_to_company":"2025-09-04T19:02:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"15716382","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-04T19:00:55.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, XXXX, XXXX, and Transunion Issue XXXX Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of <em>Complaint</em> : I am filing a <em>complaint</em> regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has <em>been</em> previously disputed and marked as <em>verified</em> by XXXX as of XX/XX/XXXX."]},"sort":[13.591381,"15716382"]},{"_index":"complaint-public-v1","_id":"15716380","_score":13.525934,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Complaint Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, Equifax, XXXX, and XXXX  Issue : Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of Complaint : I am filing a complaint regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has been previously disputed and marked as verified by XXXX as of XX/XX/XXXX. However, the information continues to be reported inaccurately and inconsistently. \n\nConflicting Status The account is reported as Paid in full/was a charge-off, while the narrative states Paid less than full balance. Both can not be true, and this contradiction results in misleading reporting. \n\nDate Closed Reporting The account shows a closure date of XX/XX/XXXX, but this information was not reflected until years later. Reporting closure years after the fact raises concerns of inaccurate and potentially misleading re-aging. \n\nOngoing Updates After Closure Despite being closed in XXXX, the account continues to be updated as recently as XX/XX/XXXX. This practice unfairly extends the negative impact of the account on my credit history. \n\nI have requested verification under the Fair Credit Reporting Act ( FCRA ), but XXXX has not provided documentation or method of verification, only marking the account as verified. This does not meet the standard of a reasonable investigation as required by law. \n\nResolution Requested : Provide documentation showing the original signed contract, full payment history, and settlement terms, OR Correct the contradictory reporting to reflect the true and accurate status, OR Delete the account from my credit file if it can not be fully verified with supporting documentation.","date_sent_to_company":"2025-09-04T19:02:56.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77373","tags":null,"has_narrative":true,"complaint_id":"15716380","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-04T19:00:55.000Z","state":"TX","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Complaint</em> Against : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Ending : XXXX Credit Bureau Reporting XXXX XXXX, Equifax, XXXX, and XXXX  Issue : Inaccurate Credit Reporting / Failure to Conduct Reasonable Investigation Details of <em>Complaint</em> : I am filing a <em>complaint</em> regarding the XXXX account ending in XXXX, which appears on my XXXX credit report. This account has <em>been</em> previously disputed and marked as <em>verified</em> by XXXX as of XX/XX/XXXX."]},"sort":[13.525934,"15716380"]},{"_index":"complaint-public-v1","_id":"18938837","_score":13.480687,"_source":{"product":"Checking or savings account","complaint_what_happened":"Complaint Narrative I am filing a complaint regarding a prolonged hold on a check deposit and repeated procedural failures by PNC Bank that made resolution unnecessarily difficult despite my full cooperation. \n\n\n\nI deposited a check and a hold was placed on the funds. I contacted PNC to resolve the issue and was told verification could occur. Over the course of multiple phone calls totaling more than 90 minutes, I received inconsistent and conflicting instructions from different PNC representatives. \n\n\n\nEarlier today, I spoke with a representative named XXXX in the fraud department. Instead of assisting with resolution, the representative became upset during the call and transferred me back to the general customer service line, stating I would need to speak with another fraud examiner or fraud specialist. \n\n\n\nI then spent approximately 40 additional minutes on the phone and was instructed to provide a reference number to the check writer so that their bank could verify the transaction. This instruction was given by another PNC representative named XXXX. I followed this direction exactly. \n\n\n\nWhen the check writers banker called PNC using the reference number I was provided, they were informed that no action could be taken because the reference number belonged to me, not the account holder, and that the account holder would need a separate reference number. This critical requirement was never communicated to me during the prior calls and could have been explained during the initial 40-minute conversation.\n\nAs a result, multiple parties time was wasted, and the verification process failed solely due to inconsistent guidance from PNC. At no point was a clear, accurate, or complete process explained from the outset. Had I been told initially that the account holder required their own reference number, the issue could have been resolved immediately.\n\nI filed a complaint on XXXX the number is XXXX XXXX was great These failures caused significant stress, unnecessary delay, and administrative burden. I complied with every instruction given, yet PNCs internal miscommunication made verification practically impossible.","date_sent_to_company":"2026-01-22T22:49:08.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"45459","tags":"Servicemember","has_narrative":true,"complaint_id":"18938837","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2026-01-22T22:34:42.000Z","state":"OH","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["<em>Complaint</em> <em>Narrative</em> I am filing a <em>complaint</em> regarding a prolonged hold on a check deposit and repeated procedural failures by PNC Bank that made resolution unnecessarily difficult despite my full cooperation. \n\n\n\nI deposited a check and a hold was placed on the funds. I contacted PNC to resolve the issue and was told <em>verification</em> could occur."]},"sort":[13.480687,"18938837"]},{"_index":"complaint-public-v1","_id":"18279060","_score":13.324983,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Issue : Funds transfer limitation / unexplained account restriction Complaint Narrative : I am filing a complaint regarding an unexplained and ongoing restriction placed on my XXXX  account that limits my ability to transfer more than {$40.00} to my XXXX balance. \nThis restriction has been in place for nearly XXXX weeks. I have contacted XXXX  customer support multiple times seeking an explanation and a timeline for resolution. XXXX  representatives have repeatedly stated only that the system is doing this and that they do not know why the restriction exists or when it will be lifted. \nThe restriction began immediately after I replaced my physical mobile phone. My phone number was fully ported to the new device, and my XXXX  account credentials, identity, and usage history remain unchanged. XXXX support has stated that the device change is not related, yet they have provided no alternative explanation. \nI have been a XXXX customer for over XXXX  years and a XXXX customer since XXXX. I have never engaged in fraudulent activity, suspicious transactions, or policy violations. XXXX  has not alleged fraud, requested additional verification, or identified any action I can take to resolve the issue. \nXXXX failure to provide a clear explanation or a reasonable timeline for restoring access to my funds has effectively restricted my ability to use my account without due transparency. I believe this violates consumer protection expectations under the XXXX XXXX Transfer Act and related regulations.","date_sent_to_company":"2025-12-25T02:45:48.000Z","issue":"Problem adding money","sub_product":"Mobile or digital wallet","zip_code":"79924","tags":"Older American","has_narrative":true,"complaint_id":"18279060","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Paypal Holdings, Inc","date_received":"2025-12-25T02:18:20.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Issue : Funds transfer limitation / unexplained account restriction <em>Complaint</em> <em>Narrative</em> : I am filing a <em>complaint</em> regarding an unexplained and ongoing restriction placed on my XXXX  account that limits my ability to transfer more than {$40.00} to my XXXX balance. \nThis restriction has <em>been</em> in place for nearly XXXX weeks. I <em>have</em> contacted XXXX  customer support multiple times seeking an explanation and a timeline for resolution."]},"sort":[13.324983,"18279060"]},{"_index":"complaint-public-v1","_id":"8952850","_score":13.314291,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB Complaint against Jefferson Capital Systems XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. \nXXXX, LA. XXXX XXXX. Complaint Details Company Name : Jefferson Capital Systems Product : Debt Collection Issue : Debt Not Recognized / Verification of Debt Not Received XXXX. Narrative I am writing to file a complaint against Jefferson Capital Systems regardin a debt they are attempting to collect. I have not been previously informed of this debt and have not had an opportunity to dispute its validity. \nIf Jefferson Capital Systems did send me a notification regarding this debt, I never received it. I request they provide a copy of the notification with a certified mail receipt shoing my signature as proof of delivery. \nDue to the lack of proper notification and the opportunity to dispute this debt, I believe Jefferson Capital Systems is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). \nIV. Request I request that Jefferson Capital Systems verify this debt and provide me with detailed documentation, including the original creditor, date of delinquency, and a breakdown of the charges. \nI request that Jefferson Capital Systems cease all communication regarding this debt until they can validate it and provide the requested documentation. \nIf they canot validate the debt, I request that Jefferson Capital Systems delete it from my credit report. \nV. Additional Information ( ID and Proof of Address ) VI Private Attorney General ( PA ) Awareness Signature XXXX XXXX XXXX","date_sent_to_company":"2024-05-07T20:05:59.000Z","issue":"Written notification about debt","sub_product":"Telecommunications debt","zip_code":"701XX","tags":null,"has_narrative":true,"complaint_id":"8952850","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2024-05-07T19:56:41.000Z","state":"LA","company_public_response":null,"sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["CFPB <em>Complaint</em> against Jefferson Capital Systems XXXX XXXX XXXX XXXX I XXXX XXXX XXXX. \nXXXX, LA. XXXX XXXX. <em>Complaint</em> Details Company Name : Jefferson Capital Systems Product : Debt Collection Issue : Debt Not Recognized / <em>Verification</em> of Debt Not Received XXXX. <em>Narrative</em> I am writing to file a <em>complaint</em> against Jefferson Capital Systems regardin a debt they are attempting to collect. I <em>have</em> not <em>been</em> previously informed of this debt and <em>have</em> not had an opportunity to dispute its validity."]},"sort":[13.314291,"8952850"]},{"_index":"complaint-public-v1","_id":"20506657","_score":13.179948,"_source":{"product":"Debt collection","complaint_what_happened":"CFPB XXXX XXXX XXXX / Debt Collection Issue Consumer Information Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX Company Information Company Name : Monterrey Collection Account Number : XXXX Issue Incorrect information on credit report / Debt is not mine Complaint Narrative I am filing this complaint regarding a collection account reported by Monterrey Collection that does not belong to me.\n\nI have no knowledge of this account, and I have never entered into any agreement or contract with this company. This account has been placed on my credit report without proper validation or verification.\n\nAdditionally, I was never properly notified via mail prior to this account being reported, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g ). I did not receive any written notice containing the required disclosures, including the amount of the debt or the identity of the original creditor.\n\nThis matter also raises serious concerns under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ). Under FCRA 611, I have the right to dispute inaccurate or unverifiable information. Reporting an account without proper documentation, verification, or consumer notification is non-compliant.\n\nFurthermore, under FCRA 1681s-2 ( a ), furnishers of information are required to report accurate and complete information. Monterrey Collection has failed to provide any proof that I am legally responsible for this alleged debt.\n\nTo date, I have not been provided with : A signed contract Proof of debt ownership or assignment A full payment history Proof of proper written notification This lack of documentation strongly indicates that the account is inaccurate, unverified, or improperly reported.","date_sent_to_company":"2026-03-23T16:26:32.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"78634","tags":null,"has_narrative":true,"complaint_id":"20506657","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Monterey Financial Services LLC","date_received":"2026-03-23T16:19:31.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive notice of right to dispute"},"highlight":{"complaint_what_happened":["I <em>have</em> no knowledge of this account, and I <em>have</em> never entered into any agreement or contract with this company. This account has <em>been</em> placed on my credit report without proper validation or <em>verification</em>.\n\nAdditionally, I was never properly notified via mail prior to this account being reported, which is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA 1692g )."]},"sort":[13.179948,"20506657"]},{"_index":"complaint-public-v1","_id":"5016216","_score":13.150202,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Experian 's own policy is for it as a CRA to conduct an invetsigation by evaluating the documents submitted with a consumer dispute and evaluate the validity of the information supplied by a data furnisher against the documentation supplied with the dispute. In CFPB complaint XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the narratives provided by XXXX  in response to prior BFPB complaints clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system. Experian 's response clearly states the extent to which they actually conducted an investigation was to \" contact the data furnisher, '' and have the data furnisher \" verify '' the accuracy of the records to Experian. Any cursory inspection of the documents I provided to Experian would clearly indicate WF 1 ) violated the MPN with respect to billing, 2 ) violated CFPBs interpretation of Regulation Z, and the FCRA. Now, Experian was made aware that XXXX XXXX has a track record of engaging in this behavior because I also provided with Experian documents surrounding 2016-CFPB-013, which clearly indicated XXXX was engaging in illegal billing practices AND REFUSING TO UPDATE ERRONEOUS information it supplied to the CRAs. Despite this, Experian 's own response to the CFPB regarding the investigation shows a willingness to \" TRUST '' the data returned by the data furnisher via the eOSCAR system, in this case XXXX. The point is after around fifty ( 50 ) complaints that provided increasingly damning evidence of XXXX XXXX 's repeated billing irregularities, haphazard compliance with Regulation Z, FCRA, and 12 CFR 1026, it is clear that Experian knows, OR SHOULD BY NOW KNOW, the information supplied by XXXX for my student loan accounts is inaccurate based upon a cursory review of the documentation. Experian is now just as culpable as XXXX in damaging my credit worthiness because it is continuing to aggregate patently erroneous data, invalid and/or unverifiable information, and data supplied as a result of its non-compliance with the behaviors covered in 2016-CFPB-013. Experian is a custodian of records for my consumer behavior, repayment habits, and financing history. Experian 's continued inclusion of data supplied from a furnisher, that is contardicted by narratives from the data furnisher itself that has been supplied as a part of a consumer complaint, reflects flagrant disregard for consumer protection laws. That is, claiming to conudct an impartial \" investigation, '' by simply transmitting documentation to a data furnisher, is a substitute for, and denial of, rights of Due Process afforded under 12 CFR 1026 and the FCRA.","date_sent_to_company":"2021-12-16T19:49:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"48103","tags":null,"has_narrative":true,"complaint_id":"5016216","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-12-16T19:03:02.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["In CFPB <em>complaint</em> XXXX, I supplied experian with documents I submitted that were on XXXX  letterhead Those documents, to include the <em>narratives</em> provided by XXXX  in response to prior BFPB <em>complaints</em> clearly contradicts the data XXXX  is supplying to Experian regarding my accounts through the eOSCAR system."]},"sort":[13.150202,"5016216"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":490,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":490}]}},"product":{"doc_count":490,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":287,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":284},{"key":"Other personal consumer report","doc_count":3}]}},{"key":"Debt collection","doc_count":54,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not 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